people retiring have pretax dollars. >> another bad will obamas the bike can withdraw 5% for my portfolio. >>rule is for me to draw five percent for my portfolio. >> we are at half of that, we will look at a. lower interest rates because the central banks are buying their own bonds keep their interest rates low. you will need to have more equity exposure. you will have to deal with a little bit more and know that getting dividends, that is okay. also, bond alternatives. they are just not paying enough and at campbell's value. >>. london let's talk abo >> i am more like two to $4 million spread >> the idea is that a million dollars when you are a kid sounds like a lot a money but the value of the dollar is cut in half every 18 years with inflation. so that is really now another 18 to 20 years pripet if we go back to the role, 4%, fibers and that means said that million dollars or on the kickoff $50,000 at most. if you are sitting there, and in job earnings six figures that will not cut it. >> it is all relative of the to your expenses. you have to project your expenses to the summe >> let'